Insurance we write in South Florida
Twenty nine lines written for Florida. Each page says what the coverage does, what the state requires, what actually moves the price here, and which situations attach to it.
Personal
You, your car, your family.
Auto insurance
PIP, real liability limits, SR-22 filings, and proof of insurance the same day.
Motorcycle insurance
Florida runs no PIP on a motorcycle, so the coverage list is a different one.
Boat and watercraft
Hull, liability, and the named storm clause that decides the claim.
Golf cart and low-speed vehicle
Not covered by your homeowners policy the moment it leaves your driveway.
RV and travel trailer
Full-timer liability, vacation coverage and the months it sits still.
Umbrella liability
A million dollars of liability for roughly what one dinner a month costs.
Scheduled valuables
Your homeowners policy caps jewellery theft far lower than you think.
Life insurance
Quoted term first, at the amount your household would actually need.
Property
The building and what the storm does to it.
Homeowners insurance
Wind, roof age, and the flood this policy does not cover, explained before you buy.
Condo insurance (HO-6)
Your unit, your contents, and the gap your association's master policy leaves you.
Renters insurance
The least expensive policy we sell, and the one that quietly pays out most often.
Flood insurance
Rising water, which no homeowners policy in the country covers.
Mobile and manufactured home
Underwritten almost entirely on the year, the anchoring and the roof.
Wind-only policies
When the storm coverage is a second policy, bought separately.
Citizens Property Insurance
The state-backed insurer of last resort, and the rules that come with it.
High-value homeowners
A different set of carriers, and a policy that starts from open perils.
Landlord and dwelling fire
The policy a rented-out house needs, which is not a homeowners policy.
Vacant and unoccupied property
Standard policies stop covering an empty house sooner than owners expect.
Short-term rental
A homeowners policy excludes the business you started when you listed it.
Screened enclosure and pool cage
The most commonly uncovered loss in Florida, and it is usually a choice.
Sinkhole coverage
Two different coverages, one mandatory and one optional, often confused.
Business
Your trucks, your liability, your doors open.
Commercial auto
For vehicles that earn, with certificates of insurance issued the same day.
General liability
The contract decides the policy: limits, wording and additional insured status.
Business owners policy
Property, liability and lost income, with the wind deductible read out loud.
Workers compensation
Required sooner than most Florida owners think, and audited every year.
Commercial property
Your building, your stock and your income, with the storm clause read out loud.
Contractors liability
Written to satisfy the contract in your hand, wording included.
Garage and garagekeepers
For shops that hold customers' vehicles, which a normal policy will not cover.
Commercial umbrella
The extra millions a contract demands, above the policies you already carry.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number. This site is not an agency and employs nobody who can sell you a policy; it passes your request to a licensed Florida agent, who calls you. No obligation, and no call from six companies you have never heard of.
Your request goes to a licensed Florida agent, who may call, text or email you about it. That agent does not work for this site.